1 Bell St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 1 Bell St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,604 sqft · built 1880
Lot Size	0.214 acres (9,322 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Apr 2020)
Tax Bill	$4,100 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U12 B:00034 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U12 B:00034 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,604 sqft Living Area
Gross Area	2,807 sqft
Basement Area	826 sqft
Unfinished Basement	826 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,322 sqft (0.214 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	1 BELL ST
City	SPENCER
State	MA
Zip	01562-2001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	34
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1018
Census Tract	726200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Spencer Town Center Historic District (Boundary Increase) listed 2003 · 131 contributing resources · NRIS 03000685

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1 BELL ST, SPENCER, MA 01562-2001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Prior Sale	May 31, 2006 · Amount on Record
Deed Document Number	202041285
Deed Book / Page	62270 / 259
Prior Transfer Date	Apr 22, 2020
Prior Transfer Doc	62270-259
Record Updated	Oct 29, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPENCER MA
Recording Date	Apr 24, 2020
Property Address	1 BELL ST, SPENCER, MA 01562-2001
Document Number	62270-259
Book / Page	62270 / 259
Instrument Date	Apr 22, 2020
Instrument	41285
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	METROPOLITAN TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1 BELL ST, SPENCER, MA 01562-2001

Mortgage

Document Number	41286
Date	Apr 24, 2020
Instrument	41286

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,100.00 (+11,288.89%)	$373,400 (+20.03%) Land $46,800 Building $326,600	$327,952 (-3.63%)
2025	$36.00 (-98.93%)	$311,100 (+5.39%) Land $40,600 Building $270,500	$340,290
2024	$3,377.00 (+5.47%)	$295,200 (+11.19%) Land $40,600 Building $254,600
2023	$3,202.00	$265,500 Land $40,600 Building $224,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER WATER DEPARTMENT serves 7,037 people · EPA ID MA2280000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20